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Join wealth manager Tim Dyer for consistent and reliable information about how to best prepare for retirement and your financial future on the Retirement Power Play podcast. Tim is the founder of Dyer Wealth Management, serving the San Diego area and based in La Jolla, California. He's the co-author of "Defuse", a book designed to help you learn the 7 steps to protecting your 401(k) from the ticking tax time bomb. Tim isn't afraid to run counter to the conventional wisdom of the financial wo ...
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The financial landscape is changing rapidly, and if you’re focused on retirement, these shifts can’t be ignored. In today’s episode, we break down the trends that will define the rest of 2024 and what they mean for your retirement plan. View the Wall of Worry Timeline HERE CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 E…
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In this episode, we’re exploring some of the world’s most unique and quirky fears—and believe it or not, they have a lot more in common with your financial life than you might think. From the fear of long words to the fear of peanut butter sticking to the roof of your mouth, we’ll explore how these anxieties mirror some of the biggest concerns in f…
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By now, you've probably heard of the recent Federal Reserve rate cut. With the announcement of a 50 basis points reduction, many investors are left wondering how this will impact their portfolios. Tune in as Tim provides a thorough analysis of the situation and breaks down the effects on various asset classes. CONTACT Website: https://www.dyerwealt…
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Remember when you were a kid, always asking 'How do you know?' about everything, like why the sky is blue or where the sun goes at night? That curiosity doesn't go away as we get older; it just turns into different questions, like the ones we face when planning for retirement. Today, we’re digging into the 'How Do You Knows' of retirement planning.…
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Given the recent market volatility in August and the uncertainty surrounding the upcoming election season, many of you have questions and concerns. We thought this would be a perfect time to provide a market update. Join us as Tim breaks it all down and addresses your questions in today's episode. CONTACT Website: https://www.dyerwealthmanagement.c…
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Tim recently returned from an eye-opening trip to Norfolk, Virginia, where he worked with the Warrior For Life Fund, supporting Navy SEALs and their families. He'll share some of his emotional and impactful experiences in today's episode, from a memorial hockey game to the opening of a new Human Performance Center. Tune in as we explore how these e…
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Tim gets a lot of questions about 401ks and knows they can be tricky to navigate. That's why we're tackling your top questions in one comprehensive episode. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The commentary on this Podcast reflects the personal opinion…
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We hear a lot of half-truths in the financial world, not necessarily because people try to make misleading statements, but because sometimes a simple statement just doesn’t quite tell the whole story. On this episode, we’ll discuss a few examples. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Locat…
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Join us for an exciting episode where we dive into the world of retirement travel! Tim shares his recent adventure with his dad on their annual Stanley Cup trip. Then we'll discuss tips on preparing for retirement travel, maximizing your trip experience, and optimizing your budget. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-4…
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In today's episode, Tim and Ben take a break from their regularly scheduled content to help us make sense of the current economic landscape. They talk about the impact of inflation on everyday expenses, making smart financial moves, and the importance of sticking to your investment plan. Plus, they explore the dynamic housing market and the benefit…
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Next up: uncover the critical mistakes many make when choosing a financial advisor. We're cutting through the noise to highlight what often goes wrong—from misplaced trust in big names to overlooking the fine print. This episode is your essential guide to avoiding those pitfalls and making informed decisions that align with your financial goals. CO…
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In today's episode, Tim and Ben are joined by a very special guest, Jock Dyer- Tim's father. At 80 years old, he's here to share his life experiences, from his battle with cancer to finding new passions post-retirement. With humor and wisdom, he reflects on the mindset shifts that come with leaving the workforce and how he's learned to embrace this…
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It's an election year in America, and that means there could be a lot of volatility on the horizon. Tim is here to talk about what this could mean for retirement planning and your investments. Plus, what elections is he paying attention to this year? Tune in to find out! CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Ema…
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Each generation is currently navigating a unique part of the retirement planning experience. With many baby boomers preparing for the transition into retirement and Generation X starting to think more about their retirement savings, these major life events come with a handful of financial planning questions. In today’s episode, we’ll focus on some …
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March Madness is upon us, and as you fill out your bracket and watch the NCAA Tournament this year, there are a few retirement planning lessons that you can learn along the way… CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The commentary on this Podcast reflects…
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Every generation likes to talk about how much harder things used to be when they were kids. Like all of the people who used to have to walk five miles to school, in the snow, uphill both ways. But they had at least one thing that was EASIER…and that was retirement planning. Let’s talk about why on today’s episode. CONTACT Website: https://www.dyerw…
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Is 'Lazy Money' still a concern in 2024's higher interest rate landscape? In this episode, we explore this question, examining how the recent rise in interest rates affects the money sitting in savings accounts, CDs, and conservative investments. We'll discuss the new dynamics of managing your funds in a world where traditional saving methods are s…
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We’ve all heard the apocalyptic predictions about social security, the national debt, and other major issues that are supposed to sink the economy. Do any of these predictions have merit in the years ahead? In this episode, we’ll try to separate sensationalism from reality. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 …
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Everyone wants to know. Will the economy boom or bust in 2024? Join us as we explore a range of expert predictions, from the shifting trends in housing prices to the looming question of a potential recession or stock market crash. We'll balance our discussion with both optimistic and pessimistic perspectives from an array of sources to give you a c…
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Despite initial expectations, 2023 unfolded as a surprisingly healthy year. So what does that mean for 2024? In today's episode, Tim will share his thoughts on the current landscape and offer his unique perspective on what we can anticipate as we step into the new year. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Emai…
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Sometimes it’s hard to make financial sacrifices when the reward might not be seen until several years in the future. Today we’ll talk about some of the situations where you might be inclined to take the immediate benefit when you should really consider the delayed rewards… CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 …
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We're going to do something a bit different on today's show. Tim and Ben are going to open up the mailbag to answer some recent listener questions. Harriet asks whether she should take out a short-term loan for a new home purchase. Another listener asks if it's normal for financial advisors to be cryptic about what they're going to do with your mon…
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Ever thought that minor tweaks in your financial plan could lead to major wins? In this episode, we're exploring the surprisingly powerful world of simple financial adjustments. From overlooked savings tricks to smarter insurance choices, we're unpacking those seemingly small steps that can bring about big, positive ripples in your financial life. …
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Join us for a thoughtful episode where we unpack our 2023 edition of key year-end planning strategies for those nearing or embracing their retirement years. We'll explore the nuances of optimizing your investment portfolio, safeguarding your assets, and ensuring a stable, rewarding lifestyle in the years to come. Together, we'll navigate through es…
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Ever wonder what a year-end review session looks like? In this episode, Tim delves into the significance of these strategic planning sessions and how they play a crucial role in wrapping up the current year while setting the stage for a successful year ahead. Listen in as we chat about what you can expect from these meetings. CONTACT Website: https…
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Welcome back to Retirement Power Play! In this episode, Tim recaps a recent trip to Nashville with other financial professionals. He also reflects on the concept of "idea partners" and shares how that benefits us and our clients. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA …
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In this episode, we delve into the complex and often emotionally charged process of changing financial advisors. We'll discuss the telltale signs that it's time to consider a switch, the questions to ask your current advisor, and what to look for in a new one. Join us as we demystify the transition process and equip you with the knowledge you need …
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In this episode, we're diving into an unforgettable event that recently took place - one that involved NHL players, Naval Special Warfare, and our very own Tim Dyer. Tim shares the story of an incredible weekend where 1,500 enthusiastic spectators gathered to witness the NHL alumni and the Warrior for Life Foundation, along with members of Naval Sp…
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Money can't buy love, but it can certainly start some spicy debates between you and your better half. In this episode, we're digging into the financial face-offs that make Monopoly fights look like child's play and exploring some money minefields that can test even the most solid relationships. Listen in as we explore how to resolve some of the mos…
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On this episode, we'll uncover the secrets of guaranteed income versus the uncertain stuff and shed light on the consequences of retiring without a clear income plan. Don't worry if you're feeling lost - we've got your back with practical solutions and expert guidance. Tune in and take charge of your retirement cash flow! CONTACT Website: https://w…
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Don’t get us wrong. In many cases, your 401(k) can be your best investment vehicle, offering numerous benefits and tax advantages and many times a 100% return on some of your contributions (also known as an employer match). However, it's important to recognize that it might not always be the optimal choice for everyone. Join us in this thought-prov…
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Celebrate the spirit of July 4th with our latest episode as we tackle the concept of Financial Independence. While the American colonists fought for freedom from British rule, we’re here to discuss what you’re striving to be independent from in your retirement. We’ll unveil the common foes you’ll face on the journey. And good news, no muskets requi…
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On this episode, we will be discussing parallels between this year's Stanley Cup and retirement planning. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The commentary on this Podcast reflects the personal opinions, viewpoints and analyses of Sage Capital Advisors…
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Welcome back to the Retirement Power Play podcast! Tim recently attended a conference that was packed with a lot of relevant information regarding some new law changes in the financial landscape. He will discuss what he learned at that conference and how to start planning for these upcoming changes in this episode. CONTACT Website: https://www.dyer…
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In the complex world of retirement planning, there are countless pitfalls one could fall into. In this episode, we've distilled it down to what we believe are the top mistakes to watch out for. Avoiding these crucial missteps can have a significant impact on the success of your retirement plan. So, join us as we delve into these key issues and lear…
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Is it necessary to work with an advisor to manage your wealth? It's a question we've been asked many times before. In this episode, we'll break down the important components of wealth management, the different kinds of financial professionals out there, and discuss how working with an advisor could benefit you. Stay tuned as we talk about what a we…
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The last few years have been anything but ordinary in the financial sector. Today we're going to dive into what individual investors can glean from the Silicon Valley Bank crash and the importance of working with a professional throughout your financial journey as we navigate these turbulent times. CONTACT Website: https://www.dyerwealthmanagement.…
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We took an informal poll of listeners to find out what their biggest financial fears are. On this episode, we’ll explore the most common fears and talk about how they should be addressed in a retirement plan. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The comm…
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After being discussed in Congress for nearly a year and a half, the SECURE Act 2.0 passed in January. Listen to today’s episode to see what you need to know and learn four ways the new changes might impact you. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The co…
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Another year is upon us and it’s a great time to ask yourself 10 questions to assess how ready you are for retirement to kick off 2023. If you’re retiring this year, it’s essential to have some concrete answers to these questions. If you’re still a few years from the milestone, tune in so you can start thinking about these critical conversations. C…
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Sometimes it might seem like talking to your financial advisor feels like talking to a therapist, and that’s ok. Let’s discuss some scenarios where it’s almost inevitable that a talk with your advisor seems like a counseling session. We will also be discussing how we can correlate Grandma's wisdom to financial planning. CONTACT Website: https://www…
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The end of the year (or start of a new year) probably means you’re getting a lot of financial statements in your mailbox (or inbox if you’re paperless). Ever wonder what some of those terms mean as you look at your 401(k), IRA and other account balances? Listen to this episode for a breakdown of some of the terms you might come across. CONTACT Webs…
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Sometimes you need to find a new financial advisor. Other times, you might think you need a new advisor, but really, you’re just guilty of thinking that the grass is greener on the other side. Let’s discuss some common scenarios and whether they’re legitimate reasons for leaving your advisor. CONTACT Website: https://www.dyerwealthmanagement.com/ P…
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Winning and losing streaks can help us recognize a pattern of either good, or bad things happening within a short amount of time. However, every streak will eventually come to an end as nothing lasts forever. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The comm…
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As the end of year approaches, Tim is meeting with clients to start strategizing for the new year. On this episode, he will discuss some of the main takeaways he has learned through these meetings. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The commentary on t…
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At this time of year, you can find football on TV almost every night of the week. So, let’s take some concepts from the game of football and apply them to our retirement planning. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Location: La Jolla, CA Disclosures: The commentary on this Podcast reflec…
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Just like the lights on your dashboard can indicate if something is wrong with your car (like low tire pressure or leaking oil), there are indicators in your financial life that might point out that you have a problem that needs to be addressed. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Locatio…
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On this episode, we’re going to share stories with you of times when emotions like fear, greed, and pride led someone astray in their financial decisions. We’ll even cover the role positive emotions like hope and joy play in the retirement planning process. If you want to better understand and control your emotions to experience a better financial …
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You’ve most likely heard plenty of “rules” you’re supposed to follow to retire successfully. Some of these rules are stated so confidently, you’d be crazy not to immediately accept them as fact. But we don’t mind the threat of being called crazy, so let’s dive into some of the most popular retirement “rules of thumb” to see if they truly lead us do…
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There are plenty of decisions that you’ll make in the retirement planning process that can’t be undone, so you want to make sure that you make the right call. On this episode, we’ll explain why these decisions are so important and can’t be undone. CONTACT Website: https://www.dyerwealthmanagement.com/ Phone: 858-459-3937 Email: tim@dyerwm.com Locat…
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